Ok...I didn't check to see if this was mentioned before, mostly because i'm half asleep and very tired!
But I found this thanks to a kind soul on usenet and this may be quite useful for us game collectors!: http://www.collectinsure.com/
I haven't done any in depth checking them out yet (BBB, google, etc) but I'll be calling them today and checking into them more thoroughly. Might be just what we've been looking for!
Hope this hasn't been covered before!